Teen Driver Kit
Everything you need to add a new driver to your household โ and your policy โ with confidence.
Parent-Teen Driving Contract
A written agreement sets clear expectations and gives your teen something to refer back to. Print it, sign it, and keep a copy in the car.
Licensing & Supervision
Safe Driving Rules
Passenger Rules
Night & Weather Driving
Accidents & Emergencies
Consequences
First-Car Checklist
Tips for Keeping the Premium Down
Most carriers offer 5-15% off for teens with a B average or better. Ask your agent โ it's one of the easiest discounts to get.
Completing an approved driver's ed course can reduce your premium. Some carriers require it; others reward it.
A used sedan with good safety ratings costs far less to insure than a sports car or SUV. The car choice is the biggest premium lever.
Adding a teen to your policy is almost always cheaper than a standalone policy. Your multi-car and loyalty discounts apply.
A higher deductible lowers the premium. If your teen is a careful driver, this can be a smart trade-off.
Programs like Snapshot (Progressive) or DriveWise (Allstate) track driving behavior and reward safe habits with discounts.
Teen driver premiums drop significantly at 18, 21, and 25. Re-shop annually to make sure you're getting the best rate.
Adding a Teen Driver to Your Policy?
We'll compare rates across multiple carriers to find the best coverage for your new driver โ without overpaying.